Workers' Compensation
What is it?
Workers' Compensation Insurance provides crucial coverage for employees who are injured or become ill due to work-related activities. It covers medical expenses, rehabilitation costs, and lost wages, ensuring both employee well-being and compliance with legal requirements.
Why is it important?
Workplace accidents and injuries can happen unexpectedly. Workers' Compensation Insurance is essential as it not only supports injured employees but also protects your business from potential legal and financial liabilities arising from workplace incidents.
What does it cover?
Medical Expenses
Covers medical treatments, hospitalization, prescription medications, and rehabilitation services for injured employees.
Lost Wages Replacement
Provides compensation for a portion of an employee's lost wages during their recovery period.
Vocational Rehabilitation
Offers support for injured employees to regain their ability to work through vocational training and rehabilitation programs.
Death Benefits
Provides benefits to the family or dependents of employees who tragically lose their lives due to work-related incidents.
Why Frontier Risk?
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Common Questions
Independent contractors are typically not covered by Workers' Compensation. However, classification criteria can vary, so it's important to accurately determine employment status.
Workers' Compensation generally covers injuries or illnesses that arise out of and in the course of employment. Some exceptions apply, such as injuries from horseplay or substance abuse.
In many jurisdictions, Workers' Compensation is legally mandated for businesses with employees. It's important to verify the specific requirements in your location.